Montgomery County property record for 813 E Prospect St, Red Oak, IA 51566
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,368 sqft · built 1905 |
| Lot Size | 0.289 acres (12,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $279,900 (Jun 2022) |
| Tax Bill | $4,974 (2024) |
| Deeds & Mortgages | Apr 2023 Mortgage Jun 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 600628201033000 |
| Primary APN | 600628201033000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,368 sqft Living Area |
| 1st Floor Area | 1,640 sqft |
| Basement Area | 1,640 sqft |
| Finished Basement | 520 sqft |
| Game Room | Game Room |
| Interior Walls | Plaster |
| Fireplace | Fireplace |
| Year Built | Built 1905 |
|---|---|
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 12,600 sqft (0.289 acres) |
| Lot Dimensions | 180 ft deep x 70 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 65 sqft |
| Deck Area | 1,005 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 813 E PROSPECT ST |
|---|---|
| City | RED OAK |
| State | IA |
| Zip | 51566-1629 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NE ADD W 40' LT 6 & E/2 LT 5 BLK 92 |
| Legal Block | 92 |
| Legal Lot Number | 5,6 |
| Jurisdiction | MONTGOMERY IA |
| Township / Civil Division | RED OAK |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 960200 |
Source: Montgomery County records, as of October 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 813 E PROSPECT ST, RED OAK, IA 51566-1629 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 7, 2023 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Jun 29, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 22, 2022 · Amount on Record |
| Deed Sale | Jun 22, 2022 · Amount on Record |
| Deed Document Number | 2022-1059 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 813 E PROSPECT ST, RED OAK, IA 51566-1629 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002023/496 |
|---|---|
| Date | Apr 7, 2023 |
| Book Page | 2023/496 |
| Instrument | 2023 0496 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY IA |
| Property Address | 813 E PROSPECT ST, RED OAK, IA 51566-1629 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02022/1060 |
|---|---|
| Date | Jun 29, 2022 |
| Book Page | 2022/1060 |
| Instrument | 2022 1060 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2052 |
| Rate Type | Fixed Rate |
|---|
Source: Montgomery County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Montgomery County |
| Municipality | Red Oak City |
| Unified School District | Red Oak Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $297,430 (+28.96%) Land $15,680 Building $281,750 | $297,430 (+28.96%) Land $15,680 Building $281,750 | |
| 2024 | $4,974.00 (+22.21%) | ||
| 2023 | $230,630 Land $11,760 Building $218,870 | $230,630 Land $11,760 Building $218,870 | |
| 2022 | $4,070.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 1, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2014 · other causes |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · above 40% of Iowa |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | RED OAK WATER SUPPLY serves 5,596 people · EPA ID IA6950075 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2024 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 362 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| FMTC of Stanton Iowa Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
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